T Bank, National Association
Dallas, TX · Cert 57703 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Tectonic Financial Inc.
National charter · OCC · 2 branches
Q2 2026
$1.1BAssets
$923.2MLoans
$955.6MDeposits
$131.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 4 of 20).
- Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 19 of 20).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.15%
Rank 10 of 20
Net Interest Margin
4.41%
Rank 4 of 20
Efficiency Ratio
68.80%
Rank 13 of 20
Equity / Assets
11.93%
Rank 8 of 20
Non-interest income vs. expense
Unfavorable gap of $22.4M · efficiency ratio beats 40% of banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.68% | 1.15% | 1.86% | Beats 50% | 10 / 20 | |
| Return on Equity | 9.67% | 7.45% | 10.95% | 14.25% | Beats 35% | 13 / 20 | |
| Net Interest Margin | 4.41% | 2.87% | 3.58% | 4.28% | Beats 80% | 4 / 20 | |
| Efficiency Ratio | 68.80% | 52.33% | 65.48% | 74.79% | Beats 40% | 13 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.89% | 0.18% | 0.42% | 1.54% | Beats 10% | 19 / 20 | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.02% | 0.14% | Beats 20% | 17 / 20 | |
| Capital |
| Tier 1 Capital Ratio | 16.28% | 13.35% | 15.71% | 17.39% | Beats 65% | 7 / 20 | |
| Total Risk-Based Capital Ratio | 17.54% | 14.55% | 16.02% | 18.64% | Beats 70% | 6 / 20 | |
| Equity / Assets | 11.93% | 9.74% | 11.64% | 13.21% | Beats 60% | 8 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 96.60% | 72.63% | 81.14% | 96.60% | 75th pctl | 5 / 20 | |
| Loans / Assets | 83.75% | 60.26% | 69.54% | 79.68% | 85th pctl | 3 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |